The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
Dreaming of cottage mornings? Welcome to 119 Pine Tree Harbour, where every day feels like a getaway on the sparkling shores of Lake Huron. This beautifully updated four-bedroom waterfront home offers more than 2,600 square feet of inviting living space designed to make the most of its breathtaking setting. Large windows frame sweeping water views, while the fully renovated kitchen-updated just three years ago-opens into bright, welcoming spaces perfect for entertaining family and friends. The upper level features rich hardwood flooring, two spacious bedrooms, and two full bathrooms, creating a comfortable retreat after a day on the water. Downstairs, the finished lower level provides a generous family room, two additional bedrooms, a convenient two-piece bath, laundry area, and plenty of storage-ideal for guests, extended family, or weekend visitors. Outside, the magic of waterfront living truly comes to life. With a stationary dock, private boat launch, and dedicated docking bays, you'll have everything you need for boating, Sea-Doos, fishing, and unforgettable summer adventures. An attached garage and a large detached boathouse/workshop, built in 2018, provide exceptional storage for all your boats, water toys, and outdoor gear. Thoughtful upgrades throughout the home include 30 inches of blown-in insulation, an energy-efficient heat pump system, a Generac backup generator, a newer asphalt roof, and newly built decks that invite you to sit back, relax, and soak in the ever-changing beauty of Lake Huron. Whether you're searching for a year-round waterfront home or the cottage you've always dreamed of, 119 Pine Tree Harbour is the kind of place where memories are made, traditions are born, and every season brings a new reason to fall in love with life at the lake.
Property Details
Listing
MLS® number
X13824678
Status
For Sale
Listed
Sep 23, 2026
Last updated
Oct 14, 2026
Possession
Flexible
Building
Type
Detached
Style
Bungalow
Approx. age
31-50
Approx. size
1,100–1,500 ft²
Basement
Finished with Walk-Out
Lot
Frontage
139.22 ft
Depth
160.12 ft
Lot area
≈ 22,292 ft² (calculated)
View
South
Community
Northern Bruce Peninsula
Parking & utilities
Garage
Attached, Garage, 1 space
Driveway
Private Double, 4 spaces
Heating
Heat Pump
Cooling
Wall Unit(s)
Water / sewer
Not provided by brokerage
Taxes
Property tax
$4,396 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
ROYAL LEPAGE RCR REALTY
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 4
Kitchens: 1 above grade
Basement: Finished with Walk-Out
Heating: Heat Pump
Cooling: Wall Unit(s)
Fireplaces: 1
Central vacuum: Yes
Exterior
Waterfront: Yes
Waterfront features: Direct
Pool features: None
Property features: Sloping, Lake Access, Level, School Bus Route, Waterfront, Wooded/Treed
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$3,542/mo
Mortgage (principal + interest)$3,176
Property taxFrom listing: $4,396/yr$366
Minimum $59,900 down for this price; the slider moves in whole percent, starting at 8%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$169,800
Ontario land transfer taxProvincial brackets, no first-time refund$13,455
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$186,055
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Northern Bruce Peninsula has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
